Regional Commercial Banking Manager

Description

Skowhegan Savings Bank seeks an individual to join our Commercial Lending Team as a Regional Commercial Banking Manager, with the Southern Maine to Augusta service area. 

Position Summary:

The Vice President, Regional Commercial Banking Manager is responsible for acquisition, retention and expansion of new and existing customer relationships and promotes the bank’s image in an assigned service area. This position will supervise a team of Commercial Loan Officers who are responsible for building, maintaining, and growing commercial banking relationships by generating loans and making referrals to other banking services.  

This position will be highly visible in the service area, attending business networking functions and serving as the “eyes and ears” for the bank. This individual will provide exceptional customer service by taking ownership of the customer experience from introducing the customer to the Bank, assessing their banking, and borrowing needs and recommending appropriate products and services, and making referrals to appropriate staff. This position provides leadership to a dedicated team of individuals to meet established lending and deposit growth goals for the service area with a thorough understanding of potential growth or risk within portfolios.  

Duties and Responsibilities:

• Provide leadership, guidance and foster a team sales approach with the Commercial Lenders, Community Bankers and Branch network within the market to provide a high level of customer experience to meet the expectations of our customers.
• Develop a Business Development Plan to effectively meet your goals of growing new and existing customer relationships within the assigned market.
• Manages business relationships in the assigned market and works with existing business customers to introduce products and services.
• Originate, process, approve within lending authority or submit for approval, and close commercial loan products.
• Provide support to residential and business customers to answer questions and resolve any service issues that may arise.
• Makes presentations on financial, deposit and loan services to groups to attract new clients.
• Develop commercial loan prospects from current customers, referral leads, and other sources to include both Commercial & Industrial, Commercial Real Estate and Construction Financing loans. Makes calls with other bank personnel while reciprocating referrals back to each line of service.
• Responsible for meeting established team sales goals (commercial loans, deposits and referrals to other areas). 
• Collects and analyzes financial and other related data in order to determine the credit worthiness of the borrower within the parameters of the bank’s loan policies. Prepares proposal to sell services. Establishes and negotiates the terms under which credit will be granted to comply with loan underwriting guidelines.
• Provides feedback and input into the bank’s products and pricing to assure the bank is meeting customer needs. 
• Work with the Finance Authority of Maine and Small Business Association to secure agency guarantees for commercial customers.
• Attends various functions/networking opportunities to enhance the image of the bank in the assigned market to develop business networks.
• Assumes additional responsibilities as assigned.

Requirements

Education and Experience:

• Bachelor’s degree or equivalent work experience and
• 7 – 10 plus years of related experience and/or training in Business Sales and/or Commercial/Residential Banking.

Skills and Abilities:

• Strong knowledge of commercial lending, sales and customer service.
• Demonstrated proficiency with analyzing financial statements.
• Demonstrated ability to develop and retain new and profitable relationships in a highly competitive environment.
• Excellent business development skills required.
• Demonstrated success in coaching sales skills and experience leading sales teams.
• Strong leadership and team building skills.
• Outstanding community involvement.
• Preferred knowledge of commercial and residential lending.
• Preferred knowledge of bank products and services.
• Must have excellent organizational, management, communication skills, both written and verbal
• Strong analytic and critical thinking skills.
• Proficient computer skills.
• Ability to handle multiple projects and meet deadlines.

Working Conditions:

• General office environment
• Physical surroundings are generally pleasant and comfortable
• Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required.